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What else needs to be considered?

Equity release has developed significantly in recent times. Since 6 April 2007, all plans that we arrange are regulated by the Financial Conduct Authority (FCA), which means that they must be fair and presented in a totally clear way. While this can give you significant peace of mind, there are other things that you need to consider before you make a decision on whether to go ahead. Of course, we will discuss each of these with you before we make our recommendation to you.

Equity release products are not suitable for all people and all circumstances, so it is important that you talk to a dedicated finance advisor before making a commitment. Releasing equity from a property is a huge undertaking, and should not be entered into lightly.

By releasing funds in your lifetime that would otherwise stay tied up in your home until you die, an equity-release plan may reduce the size of your estate. As a result it will reduce the amount that you would be able to pass on to any beneficiaries.

It is possible that the extra funds made available to you by equity release could affect your entitlement to any means-tested state benefits that you may receive now or in the future. Means-tested state benefits can be assessed on your income, assets or investments (or any combination of the three).

If you believe that an equity release product is not ideal for you and your financial situation, there are a number of alternatives which can be sought.

Our experienced and qualified advisors will ensure you understand all of the facts about releasing your equity. Call Freephone 08080 555 222 or request a callback here »

"The service I received from Age Partnership was helpful and informative, with all my questions answered very efficiently. We decided to release equity from our home to make home improvements"

Mr Broad, Stockton-on-Tees

In order to find out more about how you could benefit from equity release, call us on Freephone 08080 555 222 .

Equity release may involve a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

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Things to consider

As multi-award-winning equity release specialists we provide impartial advice covering your options as well as explaining what impact a plan could have on the size of your estate and if your entitlement to current and future means-tested benefits could be affected now or in the future.

We provide initial advice for free and without obligation. Only if you choose to proceed and your case completes would a typical fee of 2% of the amount released be payable.